Nitro, WV · Cert 34245
FDIC · 2 branches
Q3 2016
Market Position · Huntington-Ashland, WV-KY-OH · 2016 SOD (annual) · 1.3% share · #19 of 29 inst. · $0.1B of $5.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | 1.15% | 0.54% | 0.07% | -0.49% | -61 bps | |
| Return on Equity | 1.09% | 10.93% | 5.11% | 0.65% | -4.97% | -606 bps | |
| Net Interest Margin | 3.87% | 3.95% | 4.02% | 3.71% | 3.60% | -27 bps | |
| Efficiency Ratio | 86.52% | 76.80% | 79.37% | 100.00% | 104.13% | +1,761 bps | |
| Non-Interest Burden | 3.32% | 2.95% | 3.07% | 3.71% | 3.78% | +46 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.82% | 7.23% | 2.50% | 11.26% | 10.03% | +620 bps | |
| Loan Growth (YoY) | 7.66% | 5.95% | 6.25% | 5.74% | -1.20% | -886 bps | |
| Deposit Growth (YoY) | 3.52% | 7.72% | 2.35% | 12.22% | 11.54% | +802 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.10% | 0.04% | -0.27% | 0.00% | +4 bps | |
| Allowance / Loans | 1.11% | 1.19% | 1.20% | 1.33% | 1.42% | +31 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.32% | 10.25% | 10.37% | 10.07% | 9.70% | -62 bps | |
| Total Risk-Based Capital | 17.50% | 17.72% | 16.61% | 17.17% | 16.40% | -110 bps | |
| Equity / Assets | 10.55% | 10.51% | 10.61% | 9.81% | 9.93% | -62 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.64% | 84.70% | 86.52% | 79.44% | 77.63% | -1,001 bps | |
| Liquid Assets / Assets | 0.49% | 1.80% | 0.47% | 3.81% | 0.44% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |